MyDutchFinances makes it easy to compare Credit Cards offers in the Netherlands

Compare Dutch Credit Cards

Compare Dutch Credit Cards

Our annual Credit Card Comparison Research (2023) shows which Credit Card fits the best for you.

We have been reading the fine print for you! 

This article is published 14 May 2023. Last Updated on 13 February 2024.

Mastercard Gold

Rated by MyDutchFinances:

Credit Limit:
€5000

Buying Insurance:
180 Days

Annual Fee:
€42.95

Income Requirement:
€1500 p/m (before Tax)

Summary:
Indulge in the ultimate luxury of the Mastercard Gold, brimming with exclusive extras. Don’t miss out on this incredible offer to elevate your financial experience for a mere €42.95 per year!

Pros & Cons:
✅ Great App Experience
✅ 180 days buying Insurance
✅ Extra card fee €5,-

🛑 Only 1.25% Interest

Visa Gold Card

Rated by MyDutchFinances:

Credit Limit:
€5000

Buying Insurance:
365 Days

Annual Fee:
€39.95

Income Requirement:
€1150 p/m (after Tax)

Summary:
The Visa World Card Gold offers more benefits than the standard version. Your purchases are insured for 365 days, and it has V PAY, allowing you to use it like a debit card.

Pros & Cons:
✅ Includes V-Pay
✅ Free Travel insurance
✅ 24/7 Customer Support

🛑 Fee increases after 1 year

Mastercard Classic

Rated by MyDutchFinances:

Credit Limit:
€5000

Buying Insurance:
180 Days

Annual Fee:
€29.95

Income Requirement:
€1150 p/m (after Tax)

Summary:
The Mastercard Classic is highly accessible with its low annual card fee, but it offers limited extra features. It’s a credit card for occasional use with minimal costs.

Pros & Cons:
✅ Great App Experience
✅ 24/7 Customer Support

🛑 Little to none perks

Visa World Card

Rated by MyDutchFinances:

Credit Limit:
€5000

Buying Insurance:
180 Days

Annual Fee:
€29.95

Income Requirement:
€1150 p/m (after Tax)

Summary:
The Visa World Card: the most widely accepted credit card. Pay securely, quickly, and easily anywhere in the world. Perfect for online purchases with Purchase Protection and Delivery Guarantee.

Pros & Cons:
✅ Great App Experience
✅ Cashback included
✅ Multiple Travel Insurances

🛑 Minimal perks
🛑 Extra card fee €17.95

American Express Green

Rated by MyDutchFinances:

Credit Limit:
€5000

Buying Insurance:
365 Days

Annual Fee:
€78

Income Requirement:
€1666 p/m (before Tax)

Summary:
Earn points for every euro spent, enjoy additional cards for your loved ones, and experience worry-free shopping and travel with comprehensive insurance coverage.

Pros & Cons:
✅ Collect Points
✅ Extra Card
✅ Multiple Travel Insurances

🛑 Not valid everywhere
🛑 Low support for Green Card

Credit Cards in the Netherlands

Credit cards in the Netherlands work as convenient payment methods that allow you to make purchases and payments both online and in physical stores. They provide a line of credit that enables you to borrow money from the card issuer, up to a predefined credit limit. Here are the key points to know about credit cards in the Netherlands:

  1. Wide Acceptance: Credit cards, such as Visa and Mastercard, are widely accepted in the Netherlands, making them a convenient choice for various transactions.
  2. Secure and Fast: Credit cards offer a secure and quick way to make payments. They come with built-in security features like EMV chip technology and PIN codes for added protection.
  3. Purchase Protection: Credit cards often provide purchase protection, which can safeguard your purchases against theft, damage, or loss. This gives you peace of mind when shopping.
  4. Travel Benefits: Many credit cards offer additional perks for travelers, such as travel insurance, access to airport lounges, and rewards programs that can earn you airline miles or hotel points.

Read more on our collection page.

Visa, Mastercard or American Express in the Netherlands?

Visa, Mastercard, and American Express are prominent credit card networks in the Netherlands. Here are key differences:

Acceptance: Visa and Mastercard are widely accepted, while American Express may have slightly lower acceptance rates.

Cardholder Benefits: Visa and Mastercard offer various perks like rewards and insurance. American Express focuses on premium benefits like lounge access and concierge services.

Annual Fees: Visa and Mastercard have flexible fee options, including no annual fee. American Express generally has higher fees for its premium offerings.

Merchant Fees: Visa and Mastercard fees are comparable and widely accepted. American Express fees are higher, leading to lower acceptance by some merchants.

Global Acceptance: Visa and Mastercard have broader global acceptance. American Express is accepted but may have limitations.

Consider these factors to choose the best card for your needs. Find more information in our FAQ.

Introduction of the author: Roger

Roger is a Dutch citizen with experience living and working as an expat in multiple countries. Roger has a deep understanding of the complex Dutch financial landscape and is able to provide insights and expertise to help other expats make informed financial decisions.